Lyons, KS · Cert 27727
State savings bank · OCC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 1.46% | 1.69% | 1.08% | 1.05% | -60 bps | |
| Return on Equity | 11.84% | 10.32% | 12.23% | 7.85% | 7.48% | -436 bps | |
| Net Interest Margin | 3.98% | 3.93% | 3.67% | 3.95% | 4.23% | +25 bps | |
| Efficiency Ratio | 55.68% | 61.06% | 61.45% | 65.74% | 60.32% | +464 bps | |
| Non-Interest Burden | 1.64% | 1.96% | 1.90% | 2.45% | 2.30% | +66 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.46% | 10.03% | 9.42% | 9.99% | 10.70% | +225 bps | |
| Loan Growth (YoY) | 12.79% | 10.68% | 11.40% | 12.08% | 10.63% | -215 bps | |
| Deposit Growth (YoY) | 8.67% | 13.48% | 9.72% | 10.25% | 12.30% | +363 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.07% | 0.10% | 0.23% | 0.23% | +18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.31% | 1.30% | 1.28% | 1.28% | -1 bps | |
| Allowance Coverage of NPLs | 23.4x | 19.6x | 12.6x | 5.4x | 5.6x | -17.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.71% | 12.86% | 12.50% | 12.66% | 12.70% | -1 bps | |
| Total Risk-Based Capital | 12.71% | 12.86% | 12.50% | 12.66% | 12.70% | -1 bps | |
| Equity / Assets | 13.98% | 14.33% | 13.30% | 14.17% | 13.94% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.86% | 87.69% | 78.54% | 88.36% | 87.54% | -132 bps | |
| Liquid Assets / Assets | 11.47% | 13.18% | 19.31% | 14.42% | 12.44% | +97 bps | |
| CRE / Total Capital | n/a | 42.11% | 40.77% | 52.17% | n/a | n/a | |